• Exellent Credit (Credit Score = 720 or above) - I usually pay my bills on time.• Good Credit (Credit Score = 660-719) most common - I'm seldom later than 30 days and I always pay my mortgage and car on time.• Average Credit (Credit Score = 620-659) - My bills are sometimes paid 30 days late, but I'm current now.• Below Average Credit (Credit Score = 580-619) - My bills are frequently paid 30-60 days past due and I may have some minor collection items on my credit report.• Poor Credit (Credit Score = 579 and below) - I have serious credit problems. I have been bankrupt in the last 7 years or have numerous collection or judgment items on my credit report.